©2001-2011 dais software http://www.dais-set.com/software

EBANK.NET Your New Way of Online Banking

WHITE PAPER

Document version: 2011_01

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TABLE OF CONTENTS

CONTENTS

Overview __________________________________________________________________________ 1

About eBank.net _________________________________________________________________________ 1

Company and Product Advantages __________________________________________________________ 1

Product Highlights ________________________________________________________________________ 2

Feature Guide ______________________________________________________________________ 3

Web Framework _________________________________________________________________________ 3

General Banking _________________________________________________________________________ 3

Information Services _______________________________________________________________________________ 3

Common Public and/or Protected Information __________________________________________________________ 4

Active operations _________________________________________________________________________________ 4

Online Payments __________________________________________________________________________________ 6

Other financial services ____________________________________________________________________ 6

Personal Finance management ______________________________________________________________________ 7

Users Concept and Corporate Features _______________________________________________________ 8

Advanced Extensions _____________________________________________________________________ 9

Electronic Statements ______________________________________________________________________________ 9

Online Request processing workflow__________________________________________________________________ 9

B2B Integration ___________________________________________________________________________________ 9

User Experience __________________________________________________________________________ 9

Other channels _________________________________________________________________________ 10

SMS, e-mail: Subscriptions, Notifications and Alerts ____________________________________________________ 10

Mobile web _____________________________________________________________________________________ 10

active mobile banking _____________________________________________________________________________ 10

Computer telephony _____________________________________________________________________________ 10

Administrative, Back office and Integration __________________________________________________ 11

Administrative features ___________________________________________________________________________ 11

Integration _____________________________________________________________________________________ 12

Security __________________________________________________________________________ 13

1

OVERVIEW

ABOUT EBANK.NET

eBank.net is an enterprise multi-channel Online banking solution that enables Banks to provide full range of banking

services and content to customers with different user profiles, efficiently and reliably.

eBank.net features Internet banking as main online channel but may also integrate heterogeneous and independent

additional subsystems such as Call Center (IVR and live agent), Distribution channels (SMS, e-mail, fax) and Mobile into a

component solution based on uniform security infrastructure, common administration and shared access to Bank’s core

financial information systems. The solution offers complete set of banking functionality covering services for retail, private,

small and medium businesses and corporate customers.

eBank.net offers flexible feature configuration policy. The Bank may select and configure any combination of channels and

features. Open application framework and custom development options allow implementation of specific functional

requirements. Every eBank.net deployment project targets best balance in functions, performance, stability, integration

and usability, on the highest security level.

COMPANY AND PRODUCT ADVANTAGES

Local leader in online banking. Company implemented Internet banking solutions for the Top Tier Bulgarian banks,

including 4 of the current top 5. Customer list includes DSK Bank (OTP Group); Raiffeisenbank (RZB Group); UniCredit

Bulbank (UniCredit Group); EFG Eurobank - Postbank (EFG Bank Group); Societe Generale Expressbank (Societe Generale

Group), Emporiki Bank (Credit Agricole Group); NLB Banka Sofia (TBI Group). Company implemented also projects on other

e-channels such as voice, SMS, e-mail; web portals; security and integration solutions.

Online banking specialist. As it is the core company business, dais software focuses to constantly research, develop and

introduce broad range of banking functions, security, technology and modern Web experience, so the development

roadmap in business features and technology can ensure continuous evolution and longest lifecycle.

Richest feature set on the market. In addition to the standard default set of basic account info and fund transfers provided

by all vendors, eBank.net offers much more advanced features - to name a few: support for the largest number of customer

security options (OTP devices, digital certificates, SMS TANs, etc.); customer activity log and behavior analytics (BI); B2B

features (customer ERP integration, e-invoicing) and a number of others.

Maturity and stability. The system has been on the market for more than 7 years gaining invaluable experience from large

volumes on live operations while constantly improving and adopting new technology and functionality. Current live sites

handle users in the in the hundreds of thousands range and daily transactions for millions of Euro.

Integration experience. While focusing entirely on online banking software, the company developed extensive practice in

integration technologies to core banking systems. eBank.net has been well integrated to Metavante Bankway International;

i-flex solutions FlexCube, Fiserv ICBS and a couple of local systems. In addition, company’s commercial practice by default

includes free of charge* core integration development services.

Custom strategy approach and custom development. Complete e-banking implementation strategy includes full

synchronization to Bank’s business priorities and specifics. Broad financial and e-services know-how and dedicated software

development team allow flexible and effective implementation of specific functional and system requirements thus

removing limitations typical of fixed-functionality products and solutions.

Reliable support and flexible upgrade policy. Company’s support and maintenance services have proven their quality on

the rare occasions while emergency situations had to be covered. Standard support package also includes business-critical

on-site support in Sofia, free-of-charge fixes and upgrade to minor versions.

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(*limitations may apply)

2

PRODUCT HIGHLIGHTS

Features Benefits

Full banking functionality

- Account and transactions information

- Fund transfers, payment orders, batch, payroll

- Loans and credits info and operations

- Bank card info, statements and management

- Bill presentment and payment

- B2B services (ERP integration, e-invoicing)

- Applications, requests, loan origination

Unlimited custom development options

No feature cuts in solution deployment

Complete match of functionality to the bank’s business

Full coverage of bank’s custom requirements

(Features guide later in this document)

User-orientation

Usability features, preferences, look-and feel

User-friendly customer interaction interfaces

Terminology respective to the country of service

Better service acceptance by customers

Approval by modern internet-oriented users

Easier user education and support

Multi-country and localization-ready

Native Unicode and unlimited languages support

Native multi-currency

No local limitations

Possibility to use one solution to multiple countries

True multi-channel integration

Common business and technology design

Channel communication and synchronization bus

Reduced operation and support costs for multi-channels

Accessibility

Consistency of data on all channels

Business development features

Optional separation of customer segment sites

Reporting and BI analytics on customer behavior

A single solution covers individual bank customers, small and medium businesses and corporate

Service offering optimization and cross selling options

Advanced software architecture and technology

Advanced service-oriented multi-tier architecture

Contemporary technologies

(latest versions of respective OS, RDBMS, system frameworks and development platforms)

Availability and scalability

Long lifecycle and basis for future technology updates

Multi-site deployment options

Stability and performance

Security

Richest set of customer security options

Application and Infrastructure security

Logging, auditing and analytics

Security level appropriate for financial transactions

Optimal customer fraud protection

Compliance to legal regulations

Operation features

Minimum maintenance

Backup and recovery procedures

Optimal interoperability to core banking systems

Full-featured administration

High availability

Business continuity

Real-time banking

Better customer administration and support service

3

FEATURE GUIDE

eBank.net offers complete feature sets for banking services, user experience, integration, security and administration.

WEB FRAMEWORK

User Interaction

Customer web site Web site presenting banking functionality to customers

(optional)

Customer segment oriented UI

Optional configuration of different separated sites with specialized user interfaces (Web) according to target bank customers in different business segments - retail, private, SME, corporate according to Bank’s customer segmentation, with different sets of features and presentation

Custom Web design Custom graphical design created specifically for the Bank, according to its corporate style and requirements - different from “logo change” concept of fixed products

GENERAL BANKING

INFORMATION SERVICES

Info: Bank accounts

Account list w/ type indication Current (checking), savings, special accounts, with respective attributes and details; Constraints “account type - allowed activity”

Detailed account position Account balances (book and available); turnovers; overdraft limits

Account movements List of transactions on account, with rich filter options: debit/credit (to/from); by type - internal, inter-bank (Local ACH - BISERA / RINGS), in foreign currency (SWIFT), cash operation, etc.; for period - start date/end date; by number of last movements; search by beneficiary; in amount range

Account statement – daily, monthly (or other fixed period and format)

Aggregated balance Total balance on accounts recalculated in a specified currency

Available and blocked amounts Available amount on account with information about holds and blocks

Transaction details and advices Details on transaction with visualization of advices where applicable (on internal and local payments – BISERA/RINGS; State Budget, SWIFT advices)

Account interest Account interest information

Term deposits info Extended information for period; maturity and interests

Info: Bank cards

Credit (and debit) cards info Balance, Limits, interest, Due amount, Date; Minimum Repayment

Card statements Detailed card transaction information (online if supported by core)

Info: Loans and credit lines

Loan report Amount, principal, interest, maturity, overdue, last and next payment dates

Loan schedule installment schedule, executed and pending payments

4

Info: exports

Exports Export of reports to .PDF, XLS, .DOC, .CSV, .XML files

Printer friendly Printer-friendly form of table reports, where applicable

COMMON PUBLIC AND/OR PROTECTED INFORMATION

General and dynamic info

Currency rates Detailed currency rates information, ask/bid book, cash; Currency calculators and converters; Rates history

Interest rates Detailed interest rates information on standard and special accounts

Taxes and fees (bank tariff) Static bank tariff information for taxes, fees, terms and conditions; Option for tariff formalization and dynamic info

Tariff calculators engine Tariff formalization and dynamic info - calculators and wizards on formalized bank tariff

Loan calculators Full-featured configurable loan calculators, wizard style with support of different types of loan installment schemes and fees, APR calculation and installment schedule generation

Deposit calculators Full-featured deposit calculators

Protected documents Access to protected documents for registered customers - bulletins, briefs, comments and analyses from bank experts

ACTIVE OPERATIONS

Active: payment operations

Local payments Credit payment orders – internal and inter-bank ; Payments to State budget (if applicable); express option (i.e. RINGS in BG bank payment system)

International payments Payments in foreign currency to local and international beneficiaries (SWIFT)

Direct debit Direct debit order (request)

Direct debit register; management (review received; approve; cancel)

Budget payments Payments ordered by State budget organizations (if applicable)

Law regulations constraints Complete set of validations according to current State and National Bank regulations on payment order attributes, limitations and required supplements, declarations for national bank statistics, anti-money laundry, full IBAN regulations compliance

Batch (mass) payments Import, parsing, processing and execution of multi-record payment orders incl. payroll (with mandatory declarations for state social security);

Full processing, formal control and processing log;

Supported built-in formats (BISERA standard, flat file) and option to add new import formats

5

Active: Funds transfer

Currency exchange Currency exchange between own accounts; Option for interface to Treasury department for preferential rates and advanced FX deals

Accounts funding Money transfer between own accounts for purposes of current, savings, card account funding, etc.; credit card recharge; prepaid card recharge;

Active: Templates and payment transfers management

Beneficiary database Save and manage local and international beneficiaries for payment operations, with respective attributes

Payment templates Save and manage payment operation templates

“Create similar” option Create new payment operation with attributes copied from an existing one

Payment scheduling Options for execution date and expiration date of payment order

Recurring payments Save, schedule and manage templates for regular payment creation

Active: Money management

Opening and management of time deposit

Opening of deposit with funds from current account;

Closing of deposit or change of deposit terms on maturity dates

Account opening Online request for account opening and initial transaction

ZBA and sweep accounts (*) Operations on Zero-Balance accounts and fixed balance accounts

Active: Loans and lines of credit

Loan origination application New loan application, with state tracking option and integration to internal workflow engine, if any

Loan utilization Loan utilization request

Loan re-payment Loan re-payment operation

Active: Bank cards

Bank card request Requests for debit and credit card issuing

Limits and conditions change requests

Requests for change of transaction, daily or weekly limits and other conditions

6

Active: Payment processing

Payment status tracking Tracking of payment execution state (pending, executed, rejected, etc.), with timestamps (*)

Store & forward processing Delayed processing of orders in off-hours with bank information system business date validation

Payment cancellation Payment cancellation available to customer, depending on execution state; by bank cut-off times

Payment operations sequence Payment operation sequence execution (e.g. funds transfer, currency exchange and international payment)

ONLINE PAYMENTS

Bill payment

Bill presentment Presentation of information for payments due to public utility services

Bill information integration Broad range of adapters to popular local (Bulgarian) utility providers

Bill payment Execution of payments to public utility services

Bill payments - direct debit model

Standard automatic bill payment to utility services - direct debits management - consents, regular payments, cancellation

E-invoicing Collection of invoices and receivables by vendors and payment by customers

Bill payment templates Pre-defined templates for payments to public utility services

Cash collection Option to provide same payment engine to Front office as channel for cash payments

Card payments

E-commerce and Electronic payments via card processor

E-commerce site integrations, Merchant payments, Virtual POS integration

Option for standalone E-commerce Ready Deployment with 3D Secure compliance

OTHER FINANCIAL SERVICES

Documentary services

Letters of Credit Create and edit L/C applications

Letters of Guarantee Create and edit L/G applications

Securities

Securities sales information Sales information about securities traded by the Bank (ask/bid price, yield, etc.)

Securities portfolio view View and management of the portfolio of securities

Securities trade

Requests for buy/sale deals. Treasury department integration-ready, with preferential prices and transaction tickets support. Request for buy/sale deals with funds of Asset Management companies

7

Pension, insurances and tax

Insurance sales Buy insurance products, re-apply for insurances and re-form insurance terms

Payments on insurances Payment of installments on insurances

Pension fund payments Payment of installments to pension funds

Tax payments Payment to national state budget of personal or corporate taxes

PERSONAL FINANCE MANAGEMENT

PFM tools

Income and expense tracker (with predefined and custom income and expense groups)

Present income (debit transactions) and expenses (credit transactions) for a period as absolute amount and relative ratio of each income and expense group

Budget setting and comparison to actual finances

Definition of target expenses and income and comparison of real income/expenses vs. planned budget

interactive visualization of customer position

Single view of customer position with visual tools (charts – diagrams, bar charts, pie charts; projected )

8

USERS CONCEPT AND CORPORATE FEATURES

Client object model and generic access control

Online client The registered entity - company or individual that is registered to use banking services through electronic channels.

Online user Named user of the system - authorized person, assigned as a representative of the customer. All activities in the system from client’s viewpoint are performed by the Online user. One Online client has one or more Online users

Access control Channel login for Online user - possibility for different credentials and access methods for access on different channels. Credentials and certificates expiration check.

Session management Control of the session of the Online user - session opening, detailed logging of activities on a session with timestamps, session logout - by expiration or forced.

Rights control Validation all rights of Online user on products and services for respective Online client, check for assigned constraints (such as allowed / restricted operations on product, limits if any, etc).

Corporate banking

Authorized signers concept Authorized persons definition for corporate customers; Complex permissions and limitations on customer’s accounts of authorized persons

Bank customer multi-client access

Access by one authorized person to accounts of different bank clients with different permissions. Applicable to groups of companies and holdings operating both as a single structure and as separate legal entities.

Payment execution rules Payment execution rules – payment groups defined for each corporate user, with required number of signatures from specified payment groups for effective payment execution for amounts over a specified range. Flexible scheme allowing corporate users with number of authorized persons to apply an ordered payment system.

9

ADVANCED EXTENSIONS

ELECTRONIC STATEMENTS

e-statements

Integration to document storage for printable statements

Presentation of official printable statements (on accounts, loans, cards) on Internet banking

Statements mailing (optional signed with digital certificate)

ONLINE REQUEST PROCESSING WORKFLOW

Online requests

Request register engine Internal Workflow to support handling of online requests with configurable states;

Cash withdrawal / Cash deposit requests

Cash withdrawal / cash deposit request with representative appointment and authorization

Online registration Online registration customers – individuals and corporate

B2B INTEGRATION

B2B features

Volume data export/import Export statements data in electronic format for automated processing of corporate bank customers, in standard (MT940, XML, other) or custom formats – for download via website; distribution via e-mail or other channels

XML Web Services XML as a standard for data presentation; Exposing of eBank functionality as secured XML Web Services

Custom B2B services Custom development of data exchange interfaces, if required by the Bank.

USER EXPERIENCE

Usability options

User session info Detailed user session information available to customer (login and logout timestamps and IP addresses, detailed activity log)

Free messages / Mailbox Free messages from customer to bank and from bank to customer

Customer preferences User interface look-and-feel; Home page setup, bookmarks, most used; Operational preferences - value date of payment orders, default accounts, etc.

Profile edition Username and password change; Edit personal data (with option to sign changes electronically)

10

OTHER CHANNELS

SMS, E-MAIL: SUBSCRIPTIONS, NOTIFICATIONS AND ALERTS

Subscriptions Periodical sending of reports on distribution channels (daily, weekly, monthly, with periodical conditions and timeframe configuration – edition on web channel). Implementation depending on channel.

Currency rates, account balance – SMS, e-mail

Account transaction report – e-mail

Notifications / Alerts Event-based report sending on distribution channels on event (BIS event or external event). Implementation depending on channel.

Balance change – SMS, e-mail; Incoming transaction – SMS, e-mail

Payment signed – SMS, e-mail; Login to online banking – SMS, e-mail

Loan repayment amount; due date; overdue alert – SMS, e-mail

Bank card repayment amount; due date; overdue alert - – SMS, e-mail

2-channel validation Validation information (codes, transaction IDs, etc.) sent to distribution channel on security-based event. Implementation depending on channel.

Certificate request validation – SMS, e-mail

Online registration validation – SMS, e-mail

MOBILE WEB

Mobile banking

Mobile device access

Internet banking version optimized for top mobile OS – iOS, Android, Symbian, Win Phone 7

Mobile applications Downloadable mobile application for top mobile OS – iOS, Android

ACTIVE MOBILE BANKING

SMS banking SMS information requests and payments

Micro-payments Secure m-commerce and m-payment applications (on SIM toolkit app)

COMPUTER TELEPHONY

Voice, Call Center, Fax

Call Center integration Integration to Call Center and IVR platforms (*depends on platform vendor – ready-to-run interfaces for Cisco IPCC supported; other available for development)

Call Center active banking Dual-mode user authentication (customer + agent) and enablement of payment operations for agents, with one-time passwords or other authorization mode

Faxing of reports Account transaction report, Statements, General information

Active phone banking Funds transfer /own accounts/, bill payments on phone bank (IVR) channel

11

ADMINISTRATIVE, BACK OFFICE AND INTEGRATION

ADMINISTRATIVE FEATURES

User management

Standard user management Default user options - default permissions and limitations for easy administration of individual customers.

Subscribed accounts, personal rights on accounts : for active services + transfer limits (weekly, daily, one-time) for transactions; Access management: passwords expiration/ auto lock / forced password change

Extended user management Additional advanced and corporate user options – management of authorized signers, payment groups/rules, extended permissions and limitations

User registration workflow Internal workflow with Intranet interface for multi-step user registration and edition (with cost center operator options). Bank user administrator defined in roles such as “registrator”, “editor”, “supervisor”, “security officer”, etc, with different obligations in user management workflow

Customized to bank requirements

Issue user credentials Issue usernames and encrypted passwords from administrator - security officer; Option for PIN envelopes print, option for scratch-code cards assignment

Reporting and Statistics

Usage stats Full usage statistics: user access logs – detailed information on web sessions, time, duration, services used;

Application logs Comprehensive application logs, with options for information, warning and critical messages and administrative alerts

Content management

CMS application Edit, publish, and manage static and dynamic Web content of e-banking site by Bank’s e-banking service managers at a Content Management system

Custom controls Possibility to embed custom (Bank or Third party developed) controls and applications into eBank.net platform

Resource edition Resources (strings, images, etc.) edition options

CRM options

Account manager access Special enhanced access for account managers and help desk users to reports and

analysis of customer activity

CRM DB integration Integration to existing CRM databases with options for access to bank customer

aggregated data and profiles

12

Billing

Billing engine Set charges and costs for using e-banking services by customers; Optional bank charges overriding

Warehouse and reporting

Data extract Development of packages to extract data to bank data warehouse

Sales reporting Option to indicate the bank salesman while registering customer for sales reporting purposes

Business Intelligence and analytics

Customer activity log analysis Analysis of customer activity log to monitor trends of usage, preferred products, time-zones, patterns

Optimization of product offering; Cross-selling; Personalization

Anti-fraud monitoring Monitoring of behavior - suspicious sessions and transactions depending on predefined rules

INTEGRATION

As a key point in online banking implementation, the interface between eBank.net and core banking information systems is

being designed, built and tuned specifically for every particular case. In addition, experience and already integrated stable

interfaces have been implemented for high-performance online banking to a number of well-known core banking vendors.

Core-banking integration

Core banking Stable interoperability interfaces to core banking systems FIS Bankway International, Oracle (former i-flex solutions) FlexCube, Misys Midas, Fiserv ICBS, and a number of local vendors

Custom interface between eBank and Bank Information Systems, designed and implemented specifically for every particular case

Bank host online and offline operations

Online and offline BIS interoperability mode with temporary storage of customer data and store-and-forward mode allowing non-stop e-services operation

Interop technology know-how Already implemented connectors, EAI-trained staff and broad experience with SQL-based database sources; Messaging (MQ Series, MSMQ); Windows API functions; RPC; TCP/IP communication; HTTP (SSL); COM/COM+ components

Other systems integration

Card systems Connectors implemented on ISO8583 protocols and other proprietary protocols (ACI SPDH, etc.)

Other modules integration Custom development of interfaces to Treasury, Back office, Retail, Accounting, CRM, Directory, Security systems for data exchange and interoperability, if necessary

13

SECURITY

eBank.net general security framework is designed and built over industry standards for security, including identifying and

applying practices for authorization, authentication, cryptography, session management, sensitive data management,

infrastructure security, auditing and logging.

Security highlights

Standard categories

Authentication Unique user codes and passwords for eBank.net channels access; Password expiration and user disablement; User passwords stored one-way encrypted

Authorization User credentials and privileges validation on every resource and application block; Personal permissions on banking services

Cryptography PKI and digital certificates as a standard for user authentication, integrity of data interchange, confidentiality and preventing repudiation issues

Session management Unique session identifiers and secured session details storage; Session lifetime control on every discrete user action

Sensitive data management Sensitive data stored, sent over network and logged in encrypted form

Infrastructure security Secured network infrastructure provided by the Bank; Encrypted traffic between application tiers; SSL where applicable; Securing eBank.net servers

Auditing and logging Full log of user activity; Audit of application activity through all application tiers

Customer Security Options

OTC and OTS devices OTC - One Time Codes, and OTS - One Time Signatures with cryptography devices (tokens, smart cards, etc.) generating session keys and/or TANs. (*depends on platform vendor – ready-to-run interfaces for VASCO Data Security devices; option for RSA, SafeNet or other are available for development)

Bank account management integration

Integration to existing central Bank user account management systems providing credentials and sign-in services to customers

PKI

eBank.net supports PKI*-based security, implemented through usage of personal digital certificates for authentication and

enhanced security on selected customer services (payment orders, funds transfers and other operations), with all sensitive

data signed with user’s digital signature. User certificates are stored on on a secure device (token or smart card). eBank.net

PKI implementation is compliant to currently effective Electronic Document and Electronic Signature Law and supports UES

(Universal Electronic Signature) by certified national vendors.

14

Other security related features

Anti-phishing tools 2-way authentication techniques (bank server presentation)

Anti-bot tools Required CAPTCHA displayed as pictures on all public application forms

Fraud prevention tools

eBank.net provides a set of additional features for protection of customer security that may be implemented as standalone or combined utilities:

SMS (text message) notification on login and/or transaction

SMS TAN – generation of one-time codes for transaction confirmation via SMS

Monitoring of “suspicious” transactions by configurable criteria